Bring your plans to life faster with the Bâtirente TFSA
Grow your savings with Bâtirente’s Tax-Free Savings Account (TFSA). Your money is available at all times and withdrawals are tax-free.
As a Fondaction shareholder, you may now benefit from an expanded range of group savings and retirement solutions, true to the values we share, driven by our ambition to foster a positive transformation of the economy.*
What is a TFSA?
It’s a simple, efficient solution to build your savings! It supports you throughout your life, gives momentum to your major plans and can help you deal with the unexpected.
(Video in French)
Why choose a TFSA
Tax-free returns
Invest in this savings account and withdraw funds when you need them, tax-free.
For your life plans
Achieve your personal goals (house, renovations, trip), build an emergency fund and top up your retirement savings.
Total flexibility
Contribute freely, with no minimum amount, and withdraw at any time without penalties—withdrawn amounts are added back to your contribution room for the following year.
What are the benefits of a Bâtirente TFSA?
Competitive management fees*
The rate decreases gradually as the group grows.
Diversified, responsible funds
A wide selection of Québec-based managers to entrust with your savings.
Here are answers to two key questions:
How much can I contribute?
- Each year, a contribution limit is set by the government.
- Unused contribution room carries forward and can be used later.
- The amount you can contribute depends on your available contribution room, regardless of how many TFSAs you hold.
When should I start?
- You can start building contribution room as early as age 18. The earlier you start, the more you benefit from compound returns—even with modest contributions.
Take part in our next webinar on TFSAs.
It’s an opportunity to ask any questions you may have and to learn more!
Ready to get started?
Open your TFSA today!
Start building your savings and tailor your contributions to your situation and objectives.
*To help you easily access these online group solutions and allow you to subscribe to them, or to support you at your convenience, we only communicate required personal information to Bâtirente for subscription purposes, thus confirming your eligibility as a member of Fondaction’s group of shareholders. If you don’t want this information to be shared, please contact us at 1 800-253-6665.
The Comité syndical national de retraite Bâtirente inc. (“Bâtirente”) is a financial services firm registered with the Autorité des marchés financiers. It distributes only the Bâtirente plans whose administration is entrusted exclusively to Desjardins Financial Security Life Assurance Company. Fondaction and Bâtirente are two entities created at the initiative of the CSN maintaining privileged business ties. They are co-policyholders of a group annuity contract allowing Fondaction shareholders, acting collectively to foster a positive transformation of the economy, to access an expanded range of financial products. Please refer to the Conflict of Interest Policy on our website for more information on this topic.
**Competitive management fees: by comparing your group’s management expense ratio in 2026 with that of a retail fund (based on Morningstar’s 2025 Canada Fund Fee Study, using estimated average advisory fees and the 50th percentile of fees applicable to a neutral global balanced mutual fund).